{"id":844,"date":"2022-12-29T08:39:50","date_gmt":"2022-12-29T11:39:50","guid":{"rendered":"https:\/\/noticias-gerais.online\/?p=844"},"modified":"2023-02-21T23:33:16","modified_gmt":"2023-02-22T02:33:16","slug":"fazer-este-pequeno-investimento-alternativo-pode-significar-dezenas-de-milhoes-a-mais-na-aposentadoria","status":"publish","type":"post","link":"https:\/\/noticias-gerais.online\/sk\/fazer-este-pequeno-investimento-alternativo-pode-significar-dezenas-de-milhoes-a-mais-na-aposentadoria\/","title":{"rendered":"T\u00e1to mal\u00e1 alternat\u00edvna invest\u00edcia by mohla znamena\u0165 desiatky mili\u00f3nov navy\u0161e v d\u00f4chodku."},"content":{"rendered":"

Toto 12-mesa\u010dn\u00e9 obdobie je pln\u00e9 zoznamov \u201cnajlep\u0161\u00edch\u201d: filmy, knihy, re\u0161taur\u00e1cie, elektronika, hra\u010dky at\u010f.<\/span><\/p>\n

M\u00f4j kontroln\u00fd zoznam m\u00e1 iba jednu polo\u017eku.<\/span><\/p>\n

Najlep\u0161ie ponau\u010denie z financi\u00ed z roku 2022 plat\u00ed v podstate pre v\u0161etk\u00fdch kupuj\u00facich: chcete ma\u0165 aspo\u0148 percento svojho portf\u00f3lia vo fonde, ktor\u00fd dr\u017e\u00ed akcie spolo\u010dnost\u00ed s n\u00edzkou trhovou kapitaliz\u00e1ciou zameran\u00e9 na n\u00e1klady.<\/span><\/p>\n

Nemalo by to by\u0165 ve\u013ea. Ako uvid\u00edme, aj mal\u00e9 percento dr\u017ean\u00e9 v mal\u00fdch kapitaliza\u010dn\u00fdch n\u00e1kladoch m\u00f4\u017ee ma\u0165 ve\u013emi v\u00fdznamn\u00fd vplyv, ak sa mu venuje dostato\u010dn\u00fd \u010das.<\/span><\/p>\n

Toto ponau\u010denie samo o sebe nie je ni\u010d\u00edm nov\u00fdm. Pravdepodobne som nap\u00edsal najmenej dva tucty \u010dl\u00e1nkov a som spoluautorom celej publik\u00e1cie venovanej hl\u00e1saniu dlhodob\u00fdch v\u00fdhod n\u00e1kladovo orientovan\u00fdch akci\u00ed mal\u00fdch spolo\u010dnost\u00ed.<\/span><\/p>\n

Novinkou je informa\u010dn\u00e1 tabu\u013eka na zd\u00f4raznenie m\u00f4jho vzh\u013eadu.<\/span><\/p>\n

Ako pravdepodobne viete, akcie mal\u00fdch spolo\u010dnost\u00ed s n\u00edzkou trhovou kapitaliz\u00e1ciou predstavuj\u00fa vlastn\u00edctvo v mimoriadne mal\u00fdch organiz\u00e1ci\u00e1ch, ktor\u00e9 maj\u00fa z r\u00f4znych d\u00f4vodov n\u00e1klady na akcie, v\u010faka ktor\u00fdm s\u00fa relat\u00edvne v\u00fdhodn\u00e9.<\/span><\/p>\n

\u201cMal\u00fd\u201d v oce\u0148ovan\u00ed mal\u00fdch spolo\u010dnost\u00ed znamen\u00e1, \u017ee kupujete agent\u00fary s ve\u013ek\u00fdmi rastov\u00fdmi schopnos\u0165ami. Ak vlastn\u00edte tony alebo dokonca hory t\u00fdchto skup\u00edn prostredn\u00edctvom fondu, ur\u010dite budete \u201cna zemi\u201d nie\u010doho, \u010do by sa mohlo sta\u0165 Microsoftom, Applem alebo Amazonom nasleduj\u00faceho desa\u0165ro\u010dia.<\/span><\/p>\n

\u201cHodnota\u201d akci\u00ed mal\u00fdch spolo\u010dnost\u00ed spo\u010d\u00edva v tom, \u017ee tieto akcie kupujete so zn\u00ed\u017eenou sadzbou, ktor\u00e1 je v s\u00falade s ich ziskom a meran\u00e1 pomerom n\u00e1kladov k zisku. Toto je inteligentn\u00fd sp\u00f4sob investovania.<\/span><\/p>\n

Za posledn\u00fdch pribli\u017ene 10 rokov som sa \u010doraz viac presved\u010dil, \u017ee \u2013 aspo\u0148 pre v\u00e4\u010d\u0161inu Ameri\u010danov \u2013 maj\u00fa pohodlnej\u0161ie portf\u00f3li\u00e1 v\u00e4\u010d\u0161iu \u0161ancu na \u00faspech ako tie komplikovan\u00e9.<\/span><\/p>\n

A na\u0161\u0165astie je u\u017eito\u010dn\u00e9 prida\u0165 n\u00e1klady na akcie s n\u00edzkou kapitaliz\u00e1ciou prakticky do ka\u017ed\u00e9ho portf\u00f3lia. Postupom \u010dasu m\u00f4\u017eu by\u0165 odmeny za to obrovsk\u00e9 bez pridania v\u00e4\u010d\u0161ieho rizika. Za ur\u010dit\u00fdch okolnost\u00ed \u0161tipka hodnoty akci\u00ed s n\u00edzkou kapitaliz\u00e1ciou neprin\u00e1\u0161a takmer \u017eiadne dodato\u010dn\u00e9 riziko.<\/span><\/p>\n

Napr\u00edklad v tejto lekcii som zahrnul jednoduch\u00fa tabu\u013eku, ktor\u00fa n\u00e1jdete ni\u017e\u0161ie a ktor\u00e1 zobrazuje v\u00fdsledky za dlh\u00e9 \u010dasov\u00e9 obdobie pri pridan\u00ed zna\u010dn\u00e9ho percenta ceny akci\u00ed mal\u00fdch americk\u00fdch spolo\u010dnost\u00ed k indexu S&P 500.<\/span><\/p>\n

\u010c\u00edsla sa vz\u0165ahuj\u00fa na kalend\u00e1rne roky 1970 a\u017e 2021, \u010do je relat\u00edvne dlh\u00e9 obdobie, ktor\u00e9 zah\u0155\u0148alo v\u0161etky typy hospod\u00e1rskych a trhov\u00fdch poklesov v Spojen\u00fdch \u0161t\u00e1toch.\u00a0<\/span><\/p>\n

Pre ka\u017ed\u00fd agreg\u00e1t tabu\u013eka zobrazuje anualizovan\u00fd v\u00fdnos a tri miery rizika: norm\u00e1lnu odch\u00fdlku, najv\u00e4\u010d\u0161\u00ed pokles (percentu\u00e1lny pokles z danej v\u00fd\u0161ky n\u00e1kladov na n\u00e1sledn\u00fd v\u00fdnos) a najhor\u0161ie 12-mesa\u010dn\u00e9 obdobie.<\/span><\/p>\n

Mal\u00e9 kapitaliza\u010dn\u00e9 n\u00e1klady pC 0% 10% 20% 50% sto% Ro\u010dn\u00fd v\u00fdnos jeden\u00e1s\u0165,0% jeden\u00e1s\u0165,4% 11,8% 12,7% 14,0% Typick\u00e1 odch\u00fdlka 16,9% \u0161estn\u00e1s\u0165,8% 17,0% 18,2% 22,7% Najhor\u0161\u00edch 365 dn\u00ed \u2013 43,3% -43,9% -44,5% -46,3% -49,3% Najhor\u0161\u00ed pokles -51,0% -51,6% -52,4% -55,8% -61,2% Zdroj: Merriman Fiscal Training Foundation<\/span><\/p>\n

Ako som u\u017e uviedol v predch\u00e1dzaj\u00facom \u010dl\u00e1nku, najjednoduch\u0161ie zdroje s dodato\u010dn\u00fdm v\u00fdnosom 0,51 TP3T m\u00f4\u017eu po\u010das \u017eivota vygenerova\u0165 a\u017e 1 mili\u00f3n USD alebo viac vo forme v\u00fdberov z d\u00f4chodku a prostriedkov, ktor\u00e9 m\u00f4\u017eete zanecha\u0165 dedi\u010dom.<\/span><\/p>\n

Zahrnutie iba 10% pri cene pre mal\u00e9 spolo\u010dnosti do portf\u00f3lia S&P 500 to prakticky dosiahne, \u010d\u00edm sa zv\u00fd\u0161i v\u00fdnos z vyu\u017eit\u00ed zdrojov o 0,4 percenta. A napriek tomu je mo\u017enos\u0165 takmer rovnak\u00e1. Posilnenie S&P 500 o 20% pri cene pre mal\u00e9 spolo\u010dnosti zdvojn\u00e1sob\u00ed dodato\u010dn\u00fd benefit s takou malou dodato\u010dnou \u0161ancou, \u017ee by ho v\u00e4\u010d\u0161ina kupuj\u00facich pravdepodobne nikdy nevidela.<\/span><\/p>\n

Ako z\u00e1kladn\u00e9 portf\u00f3lio som pou\u017eil index S&P 500, vo v\u0161eobecnosti preto, \u017ee je be\u017en\u00fd a \u013eahko zapam\u00e4tate\u013en\u00fd \u2013 a s\u00fahlas\u00edm s t\u00fdm, \u017ee v\u00e4\u010d\u0161ina akciov\u00fdch portf\u00f3li\u00ed kupuj\u00facich prinajmen\u0161om zhruba kop\u00edruje tento obrovsk\u00fd americk\u00fd akciov\u00fd index.<\/span><\/p>\n

Hodnotu mal\u00fdch invest\u00edci\u00ed v\u0161ak m\u00f4\u017eete prida\u0165 do akejko\u013evek inej investi\u010dnej kombin\u00e1cie. Na z\u00e1klade v\u0161etk\u00e9ho, \u010do viem o prvej, by ste tak mohli urobi\u0165, keby ste zv\u00fd\u0161ili svoje dlhodob\u00e9 v\u00fdnosy bez ve\u013ekej n\u00e1hody.<\/span><\/p>\n

Doteraz sme diskutovali o v\u00fdhod\u00e1ch pridania cien akci\u00ed s malou trhovou kapitaliz\u00e1ciou iba z h\u013eadiska vy\u0161\u0161\u00edch v\u00fdnosov. Tieto vy\u0161\u0161ie v\u00fdnosy nazna\u010duj\u00fa viac pe\u0148az\u00ed na m\u00ed\u0148anie v d\u00f4chodku.<\/span><\/p>\n

Napriek tomu m\u00f4j priate\u013e a kolega Chris Pedersen, riadite\u013e v\u00fdskumu v Merrimanovej nad\u00e1cii pre finan\u010dn\u00e9 vzdel\u00e1vanie, dospel k z\u00e1veru, \u017ee tieto vy\u0161\u0161ie o\u010dak\u00e1van\u00e9 v\u00fdnosy m\u00f4\u017eu prinies\u0165 \u010fal\u0161iu v\u00fdhodu: m\u00f4\u017eu umo\u017eni\u0165 d\u00f4chodcom bezpe\u010dne vybra\u0165 ove\u013ea lep\u0161ie percento svojich portf\u00f3li\u00ed.<\/span><\/p>\n

Toto je dvojit\u00e1 v\u00fdhoda: vy\u0161\u0161ie percento sa pou\u017e\u00edva pre lep\u0161iu vyv\u00e1\u017eenos\u0165 portf\u00f3lia.<\/span><\/p>\n

Aby sme videli, ako by to mohlo fungova\u0165, zv\u00e1\u017ete nasleduj\u00facu hypotetick\u00fa situ\u00e1ciu.<\/span><\/p>\n

Vy a v\u00e1\u0161 priate\u013e investujete mesa\u010dne 1 TP4T 500 na d\u00f4chodkov\u00fd \u00fa\u010det po\u010das 35 rokov. Finan\u010dn\u00e9 prostriedky v\u00e1\u0161ho priate\u013ea s\u00fa 1 001 TP3T v indexe S&P 500; va\u0161e invest\u00edcie s\u00fa alokovan\u00e9 801 TP3T v indexe S&P 500 a 201 TP3T v mal\u00fdch fondoch.<\/span><\/p>\n

Po 35 rokoch ste vy a v\u00e1\u0161 priate\u013e pripraven\u00ed od\u00eds\u0165 do d\u00f4chodku. Pod\u013ea star\u00fdch anualizovan\u00fdch v\u00fdnosov v tabu\u013eke 1 stoj\u00ed \u00fa\u010det v\u00e1\u0161ho priate\u013ea 2,46 mili\u00f3na $. V\u00e1\u0161 \u00fa\u010det stoj\u00ed 3,05 mili\u00f3na US$.<\/span><\/p>\n

Pri miere v\u00fdberov 41 TP3T m\u00e1 v\u00e1\u0161 priate\u013e na minutie v prvom roku d\u00f4chodku 98 565 TP4T; vy m\u00e1te 121 904 TP4T.<\/span><\/p>\n

Toto je mimoriadne prvotriedny bonus a m\u00f4\u017eete tam presta\u0165 s vedom\u00edm, \u017ee o sk\u00fa\u0161ke sa m\u00f4\u017eete v\u017edy rozhodn\u00fa\u0165, ke\u010f p\u00f4jdete spolu na ve\u010deru.<\/span><\/p>\n

Je toho v\u0161ak viac. Aj ke\u010f si (m\u00fadro) po odchode do d\u00f4chodku prid\u00e1te nejak\u00e9 peniaze z fixn\u00e9ho pr\u00edjmu, ak si ponech\u00e1te 20% zo svojho podielu na kapit\u00e1li investovan\u00e9ho do akci\u00ed s n\u00edzkou trhovou kapitaliz\u00e1ciou, budete ma\u0165 v d\u00f4chodku aj na\u010falej vy\u0161\u0161ie o\u010dak\u00e1van\u00e9 v\u00fdnosy.<\/span><\/p>\n

Ak ste zistili, \u017ee tento vy\u0161\u0161\u00ed v\u00fdnos v\u00e1m m\u00f4\u017ee pom\u00f4c\u0165 bezpe\u010dne zv\u00fd\u0161i\u0165 va\u0161e v\u00fdbery na 4,51 TP3T, mohlo by v\u00e1m to prinies\u0165 137 142 TP4T \u2013 \u010do je n\u00e1rast o 511 TP3T oproti v\u00fdplate v\u00e1\u0161ho priate\u013ea v prvom roku.<\/span><\/p>\n

Pre v\u00e4\u010d\u0161inu kupuj\u00facich si mysl\u00edm, \u017ee skvelou dodato\u010dnou odmenou by bola dobr\u00e1 cena, najm\u00e4 ak je zv\u00fd\u0161enie \u0161ance minim\u00e1lne.<\/span><\/p>\n

Pre \u010ditate\u013eov, ktor\u00ed sa chc\u00fa tejto t\u00e9me venova\u0165 hlb\u0161ie, som nahral podcast: 10 d\u00f4vodov, pre\u010do v\u00e1s hodnoty mal\u00e9ho kapit\u00e1lu m\u00f4\u017eu obohati\u0165.<\/span><\/p>","protected":false},"excerpt":{"rendered":"

Este per\u00edodo de 12 meses est\u00e1 repleto de listas do \u201cmelhor de\u201d: filmes, livros, restaurantes, eletr\u00f4nicos, brinquedos, etc. Minha lista de verifica\u00e7\u00e3o tem apenas um item. A melhor li\u00e7\u00e3o de financiamento de 2022 se aplica a basicamente todos os compradores: voc\u00ea deseja ter pelo menos uma porcentagem de seu portf\u00f3lio em um fundo que possui […]<\/p>\n","protected":false},"author":8,"featured_media":0,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[14],"tags":[],"class_list":["post-844","post","type-post","status-publish","format-standard","category-economia"],"_links":{"self":[{"href":"https:\/\/noticias-gerais.online\/sk\/wp-json\/wp\/v2\/posts\/844","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/noticias-gerais.online\/sk\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/noticias-gerais.online\/sk\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/noticias-gerais.online\/sk\/wp-json\/wp\/v2\/users\/8"}],"replies":[{"embeddable":true,"href":"https:\/\/noticias-gerais.online\/sk\/wp-json\/wp\/v2\/comments?post=844"}],"version-history":[{"count":0,"href":"https:\/\/noticias-gerais.online\/sk\/wp-json\/wp\/v2\/posts\/844\/revisions"}],"wp:attachment":[{"href":"https:\/\/noticias-gerais.online\/sk\/wp-json\/wp\/v2\/media?parent=844"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/noticias-gerais.online\/sk\/wp-json\/wp\/v2\/categories?post=844"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/noticias-gerais.online\/sk\/wp-json\/wp\/v2\/tags?post=844"}],"curies":[{"name":"pracovn\u00fd list","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}